Archive for oklahoma home insurance quotes

Meet our home insurance professionals….now and at renewal

I am very thankful for this team of professionals that serve our customers everyday with quality homeowners insurance and car insurance at prices that are usually lower than our competition.  Moreover, we monitor every renewal for accuracy and competitiveness.  Our goal is to place your home and car insurance with one of our quality companies that you can build a long term relationship with.  However, we all know that, occasionally, that doesn’t happen….our renewal process allows us to see these issues and start working on them well before the policy renews.

Our Specialty: Home and car insurance in Oklahoma….we don’t try to be experts in all lines of insurance.

Our Experience:  As of this writing, every staff person has an Oklahoma Agents License to service and sale and our staff of 7 has 108 years of combined personal insurance experience.

Our Motivation:  We desire slow, steady growth through long term client relationships.

Our Commitment:  To place your best interest above our own.

Statewide Insurance Agency

“ – when you tired of fighting homeowners insurance in Oklahoma”


Home Insurance: When Cheap Turns Costly

We are all looking for cheap home insurance in Oklahoma.  However, cheap can turn to costly very fast if the home insurance policy you purchase does not cover  Additional Living Expenses (ALE).

ALE are monies paid to you by the home insurance company to pay for additional living cost that you incur as a result of a home insurance loss.  The best example of this is the cost to rent or lease another house while your home is being repaired or while the insurance company is assessing your home’s damage that is covered by insurance.  

As you seek cheap home insurance in Oklahoma, remember to make certain that the quote you request contains ALE as an important part of your home insurance plan.  Below is a typical example of the wording that an Oklahoma home insurance company will use in order to provide ALE.  This particular contract wording is from Safeco Insurance Company.  Safeco is one of the companies that we count on to provide home insurance value in Oklahoma without compromising critical policy coverages.  

If a loss covered under this Section makes that part of the residence premises where you reside
uninhabitable we cover Additional Living Expense, meaning the necessary increase in living
expenses you incur so that your household can maintain its normal standard of living.

New Years Resolutions 2016

16 Things To Look Forward To In 2016

After closing another year…time to get organized!

  • Add Earthquake Insurance
  • Update my Home Owners Insurance Coverage
  • Add kids to the Car Policy
  • Call of visit Statewide Insurance Agency for all Home and Auto Insurance needs
Share your New Years Resolution for 2016 below:

Statewide Home Insurance Rate Card Flyer 2016

How to save money on home insurance

Here is link to a good article from the Insurance Information Institute on how to save money on home insurance.

Homeowners Insurance: "Am I Covered?"

Oklahoma homeowners often ask the question, “what does this home insurance cover?”  Coverage’s can vary a lot from one policy to another.  However, there are some things that are consistently limited or not covered at all in home policies.  Therefore, sometimes I’ll answer the question by telling my customers about these limitations.  Here are some of my top examples of things that are not covered or that have limited coverage under homeowners insurance policies in Oklahoma City, Edmond and the entire state of Oklahoma….. Rising Flood Water: Surface water and rising flood water damage is the # 1 uninsured loss in Oklahoma and the United States.  Most flood victims will tell you that they thought their home was in an area that was high enough that it would not flood. Many Oklahoma home policies do cover damage that results from a sudden rupture of water from your plumbing system or air conditioning system. Shifting Soil: Much of the soil type in Oklahoma is clay.  It expands with moisture and contracts as it dries out.  Hot and dry Oklahoma summers can result in shifts in your foundation that crack slabs and crack walls.  This type of damage is not covered by any home policy, as far as I know. Jewelry: Oklahoma home insurance policies limit coverage for theft of jewelry.  Furthermore, mysterious disappearance or a stone falling out of a setting is not usually covered unless special endorsements are purchased.  Most of your jewelry needs can be met by purchasing extra jewelry coverage.  Jewelry is usually covered up to your Personal Property policy limit in a fire loss or a tornado loss. Tools and Other Property Used In Your Business: Coverage is very limited under most policies.  You are expected to have a separate business insurance policy for these items. Sewer Back Up: This coverage is oftentimes available by endorsement.  Some companies interpret this exclusion to mean back up of a city’s main sewer line and distinguish this from an “overflow” due to a problem within your plumbing system.  I do represent one company, Safeco, that provides significant coverage for sewer back up without an extra charge. Motorized Land Vehicles: Be very careful here.  You’ll usually need a separate policy for motorcycles, dirt bikes, ATV’s, boats, trailers, etc.  However, you may be able to get coverage for a motorized wheel chair and a riding lawn mower.  You might get some coverage for a tractor if it is used “exclusively” to maintain the premises. Business Liability: Liability which arises from your business activities is almost always excluded.  Certain professions such as teachers and sales people might be able to purchase it with endorsement if you are an “employee” of someone else and not “self-employed”. Mechanical Breakdown of Appliances: This is not usually covered but is now being offered by endorsement by a growing list of companies. Damage Caused By Insects and Animals: Not Covered:  This would include damage caused by termites, dogs, squirrels, etc. This is not intended to be a comprehensive list of Oklahoma home insurance coverages, limitations and exclusions.  It is my intent to help you educate yourself so you’ll be able to shop more effectively by asking the right questions.   Von Nix, CPCU Statewide Insurance Agency            

New Office of Statewide Insurance Agency


Some Oklahoma homeowners don’t have a personal home insurance agent and some homeowners aren’t always comfortable asking their current agent about some of the tougher, more sensitive issues.

In an attempt to “give back” a small amount of the huge support that Oklahoman’s have shown me the last 30 years, I am starting “Ask An Oklahoma Home Insurance Agent”.  This will be a free service offered to all Oklahoma homeowners and I will not try to sell you a new home insurance policy.   I will answer your home insurance questions, to the best of my ability, on issues like…

1.  Home insurance coverages

2.  Claims processes

3.  Rating Factors

4.  Availability of Coverage

5.  Prior home insurance claims issues

6.  Discounts/ways to save money on home insurance

7.  Property inspections

8.  Rebuilding issues and

9.  Underwriting Guidelines

There are 2 ways to ask your question:  Email me at or call me at 405-285-2929.  If you call, tell whoever answers that you have a home insurance question for Von.



Preventing Water Damage

Water damage claims are one of the most common losses that Oklahoma homeowners face.  Safeco Insurance has written some good tips on ways to prevent and/or minimize your water damage loss.